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Financial Highlights

Financial Highlights
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 2,309,557 2,138,954 1,525,857 1,377,263 1,315,041
Total Net Loans 1,696,488 1,549,653 1,153,724 1,044,469 989,864
Total Deposits 1,678,764 1,579,893 1,204,923 1,121,103 1,052,033
Equity Attributable to Parent Company 330,126 298,898 184,461 137,616 125,173
Total Equity 330,126 298,898 184,461 137,616 125,173
Profitability (%)
Net Income($000) 33,878 14,139 15,872 17,217 12,745
Net Income Attributable to Parent($000) 33,878 14,139 15,872 17,217 12,745
ROAA 1.51 0.81 1.04 1.19 0.95
Core ROAA 1.54 1.42 1.10 1.22 1.01
ROAE 10.64 6.50 9.19 12.90 10.59
ROATCE 14.92 8.18 11.68 19.17 16.63
Core ROAE 10.84 11.41 9.70 13.23 11.19
Net Interest Margin 4.20 4.15 3.88 3.80 3.94
Reported: Net Interest Margin 4.31 4.21 4.01 3.93 3.96
Efficiency Ratio 61.46 63.33 67.77 65.17 66.61
Noninterest Inc/ Operating Rev 20.76 21.87 23.08 24.10 22.93
Balance Sheet Ratios (%)
Loans/ Deposits 101.80 98.86 96.66 94.15 95.20
Securities/ Assets 16.84 17.36 16.18 15.38 16.10
Total Equity/ Total Assets 14.29 13.97 12.09 9.99 9.52
Tangible Equity/ Tangible Assets 11.08 10.43 10.47 8.11 7.48
Tang Common Equity/ Tang Assets 11.08 9.98 9.31 6.70 5.75
Asset Quality (%)
NPAs/ Assets 0.37 0.42 0.59 0.81 0.96
NPA Excl Restructured/ Assets 0.24 0.27 0.40 0.51 0.71
NPAs & 90+ PD/ Assets 0.37 0.42 0.59 0.81 0.96
NPAs/ Loans & REO 0.50 0.57 0.77 1.06 1.26
Nonaccrual & 90+ & OREO/ Assets 0.24 0.27 0.40 0.51 0.71
NPAs & 90+ PD/ Loans & REO 0.50 0.57 0.78 1.06 1.26
NPA & Loans 90+/ Tangible Common Equity + LLR 3.29 4.07 5.93 10.76 14.34
NCOs/ Avg Loans 0 0.02 0.02 (0.02) 0.11
Loan Loss Reserves/ Gross Loans 0.86 0.87 1.13 1.26 1.43
Reserves/ NPAs 171.65 153.82 145.35 119.22 113.36
Loan Loss Provision/ NCO NM 331.91 0 NM 108.40
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 241,074 208,061 140,853 93,463 75,819
Tier 1 Capital($000) 270,501 246,852 187,638 141,840 127,519
Tier 2 Capital($000) 14,767 13,679 13,134 13,305 12,569
Total Capital($000) 285,268 260,531 200,772 155,145 140,088
Total Risk-weighted Assets($000) 1,768,818 1,616,090 1,212,810 1,092,952 1,004,225
Tier 1 Common Capital (CET1) Ratio(%) 13.63 12.87 11.61 8.55 7.55
Tier 1 Ratio(%) 15.26 15.30 15.47 12.98 12.70
Total Capital Ratio(%) 16.10 16.15 16.55 14.20 13.96
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.35 12.22 12.70 10.55 9.96
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,687,542 15,603,499 10,198,475 8,343,509 7,843,578
Avg Diluted Shares(actual) 16,851,740 13,855,707 12,352,616 10,950,961 10,918,335
Basic Book Value per Share 19.78 18.56 16.39 14.22 13.12
Book Value per Share, As Reported 19.78 18.56 16.39 14.22 13.12
Basic Tangible Book Value per Share 14.77 13.14 13.68 10.84 9.43
Tangible Book Value per Share, As Reported NA 13.14 13.68 10.84 9.43
Common Dividends Declared per Share 0.42 0.32 0.25 0.22 0.20
EPS after Extra 2.01 1.02 1.28 1.57 1.17
EPS after Extra Growth(%) 97.10 (20.30) (18.50) 34.20 37.60
Core EPS 2.05 1.79 1.35 1.61 1.24
Core EPS Growth(%) 14.40 32.40 (16.10) 30.30 39
Diluted EPS before Amortization 2.07 1.05 1.33 1.63 1.24
Pre-Provision Earnings per Share 1.90 1.75 1.16 1.33 1.14
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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